BlastPoint's Banking Scorecard
ESB Financial
Micro
Specialty: Commercial
KS
FDIC cert 16629
Designations: ✓ Community bank
Emporia, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
ESB Financial shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$381.4M
+10.0% YoY
+2.6% QoQ
|
+$163.9M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$252.6M
+12.7% YoY
+3.2% QoQ
|
+$113.5M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 15% in tier |
| Total Deposits ? |
$330.9M
+9.7% YoY
+2.7% QoQ
|
+$147.2M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
1.14%
+45.7% YoY
-15.9% QoQ
|
+0.06% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
3.63%
+19.8% YoY
-0.1% QoQ
|
-0.23% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
72.20%
-6.4% YoY
+7.3% QoQ
|
+4.48% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
1.74%
+23.5% YoY
+317.8% QoQ
|
+1.10% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
76.35%
+2.7% YoY
+0.5% QoQ
|
+1.82% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
22.76%
+1.4% YoY
-5.5% QoQ
|
+0.36% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
55% |
| Nonperforming Asset Ratio ? |
1.15%
+26.5% YoY
+320.2% QoQ
|
+0.70% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
12.66%
-3.8% YoY
-3.8% QoQ
|
+3.81% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.85%
+0.1% YoY
+28.0% QoQ
|
+0.29% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Non-Interest Income / Assets
Current: 0.85% · Tier avg: 0.56%
87
87th pctile
Total Deposits
Current: $330.9M · Tier avg: $183.7M
86
86th pctile
Total Assets
Current: $381.4M · Tier avg: $217.5M
85
85th pctile
Total Loans
Current: $252.6M · Tier avg: $139.2M
62
62th pctile
Tier 1 Capital Ratio
Current: 12.66% · Tier avg: 8.85%
55
55th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.08%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.76% · Tier avg: 22.39%
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.35% · Tier avg: 74.53%
40
40th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.85%
34
34th pctile
Efficiency Ratio
Current: 72.20% · Tier avg: 67.73%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.15% · Tier avg: 0.45%
16
16th pctile
Delinquency Rate
Current: 1.74% · Tier avg: 0.64%
Top Weaknesses
16
16th pctile
Delinquency Rate
Current: 1.74% · Tier avg: 0.64%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.15% · Tier avg: 0.45%
34
34th pctile
Efficiency Ratio
Current: 72.20% · Tier avg: 67.73%
40
40th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.85%
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.35% · Tier avg: 74.53%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.76% · Tier avg: 22.39%
55
55th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.08%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.66% · Tier avg: 8.85%
85
85th pctile
Total Loans
Current: $252.6M · Tier avg: $139.2M
86
86th pctile
Total Assets
Current: $381.4M · Tier avg: $217.5M
87
87th pctile
Total Deposits
Current: $330.9M · Tier avg: $183.7M
89
89th pctile
Non-Interest Income / Assets
Current: 0.85% · Tier avg: 0.56%